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    Funds Needed for Closing

    Funds Needed
    for Closing

    When preparing for closing, funds needed for closings can sometimes be confusing to buyers however, there are simple steps you can take to assure you have the proper funds needed for settlement. You can bring a cashier's check or wire your funds to the title company. Always call the title company for wire instructions and, call again to verify information before wiring your funds.

    Be Aware of Wire Fraud


    Wire transfers are required for any monies due over $1,000.00 We cannot accept ACH credits - an actual wire transfer must be sent and received prior to settlement. We accept certified, treasurer’s or bank checks but, they MUST be payable to: INTEGRITY TITLE & ESCROW COMPANY

    We do not except Personal Checks, except for funds under $100.00

    If you have not received final funds needed before closing, please bring the last amount received from the lender on your Closing Disclosure (CD). Any excess funds presented at closing, will be refunded to you. Integrity Title will issue a check back to you for the difference.

    Important Wire Fraud Alert For Home Buyers

    Realtors®, real estate brokers, closing attorneys, buyers and sellers are targets for wire fraud and many have lost hundreds of thousands of dollars because they simply relied on the wire instructions received via email.

    A fraudster will hack into a participant's email account to obtain information about upcoming real estate transactions. After monitoring the account to determine the likely timing of a closing, the fraudster will send an email to the buyer purporting to be the escrow agent or another party to the transaction. The fraudulent email will contain new wiring instructions or routing information, and will request that the buyer send funds to a fraudulent account.

    We will urging everyone to INQUIRE BEFORE YOU WIRE and to never rely solely on email communication. Always follow these two simple steps:

    Before You Wire
    When in doubt, always call our office or your escrow officer.
    For the best in sevice, remember to always insist on
    Step 1
    Obtain the phone number of your Real Estate Broker, Realtor®, Closing Attorney (if applicable) and your Escrow Officer as soon as a title order is placed or an escrow is opened. Complete the information below and keep this flyer in your escrow folder. If you are reading this at one of our lobbies and you don't have a copy of this flyer, simply ask the receptionist for a copy.
    Step 2
    Prior to wiring, call the phone number you wrote down from step #1 above to speak directly with your Escrow Officer to confirm wire instructions. If you receive a change in wiring instructions supposedly from us or your Escrow Officer, be suspicious as we rarely change our wiring instructions.